Since April, it has no longer been possible to report incidents of online banking fraud directly to the police. Instead, victims must notify their banks, which have discretion to decide whether to refer the matter to the authorities. Does the Minister accept that that sends a confused message about the seriousness with which this type of crime is treated—although it has risen by 45 per cent. in the past year—and suggests that his Department either cannot cope or cannot be bothered with e-crime?